“保险+期货”守护果农丰收梦

Core Insights - The integration of "insurance + futures" in the apple farming sector has significantly improved the financial stability and risk management capabilities of farmers in Shaanxi Province, particularly in Yan'an City [2][5][7] Group 1: Farmer Experiences - Farmers like Bai Jianbing and Wei Shujie have reported substantial income increases due to participation in the "insurance + futures" program, with Bai earning over 50,000 yuan since 2019 and Wei receiving 6,085.32 yuan in compensation after a hailstorm [2][3] - The program has transformed farmers' perceptions, leading to increased participation and enthusiasm for insurance, with reports of "one order hard to find" during the insurance application season [3][5] Group 2: Project Development - In 2024, the "insurance + futures" project in Yan'an County achieved record coverage of 38,300 acres, a 1.5 times increase compared to previous years, with 2,514 participating farmers [5][6] - The project has provided risk coverage for 47,889.44 tons of apples, with total compensation amounting to 4.729 million yuan, demonstrating its effectiveness in risk mitigation [5][6] Group 3: Financial Mechanisms - The funding for the project has diversified, incorporating support from various levels of government and financial institutions, which has reduced the financial burden on farmers [5][6][8] - The project has cumulatively insured over 195,000 acres and compensated farmers a total of 61.21 million yuan from 2019 to 2024, with an average compensation of nearly 5,000 yuan per household [6][8] Group 4: Industry Transformation - The "insurance + futures" initiative has not only stabilized farmers' incomes but also promoted the upgrading of the apple industry by establishing new standards for apple quality and production [7][9] - The program has facilitated the introduction of new varieties and standardized production processes, enhancing the overall quality and marketability of apples [8][9]